The importance of overall financial literacy with an emphasis on personal finance is vital in today's society. In this book, (FINANCIAL EDUCATION! IT'S PERSONAL) we share profound knowledge of all the basic elements of personal finance, as well as taking a deeper dive into why many of us are hard-wired to self-sabotage our financial well being. We help our readers to recognize the pitfalls and provide time tested professional concepts to prosper in our capitalistic society. The goal was to provide life changing financial information in an easily digestible format. Virtually anyone who reads and puts our strategies and concepts to practice will benefit! A person who thinks they can and a person who thinks the can't are both right. What will your choice be?

This is much more than a book. It is a guide to help readers understand personal and business finance on multiple levels. The Black Lion Program takes them through details on credit improvement, investing, budgeting, starting a business and creating generational wealth, the right way! Once you improve your credit and start to successfully invest, you will be well on your way to financial freedom.

It is very well documented that improved financial literacy is very much needed in the United States. This book/guide has been designed to bring competent and digestible financial programming to scale. The aim is to sensitize our readers to the methodology of financial literacy. Upon completion they will have an improved understanding of various financial skills, including personal financial management, budgeting, credit, saving, investing, home ownership, and asset protection.

EM Consulting, GBC is a General Public Benefit Corporation created to have material positive impact on society, and the well-being of present and future generations. Finances can motivate bad things or it can be the driver of good things. As the saying goes, money is a good servant, and a bad master.

We present time tested concepts and principles that have been proven to be positively effective. The template to financial freedom is here. Take the opportunity to invest in your future!

Two things must happen for the wealth gap in America to make measurable progress. Firstly, America will have to treat all of its citizens with an acceptable amount of dignity and respect. On the flipside, the lower and medium caste (the underserved) must do their part to prepare. They will need to participate in education and financial literacy programs for the masses. Even if America is generous with sharing the wealth pie, it will not matter if the poor and middle classes are not doing their part. That is the purpose of this book, to share valuable financial literacy knowledge with the masses.

Black Lion's Credit Improvement Program. This is an original one of a kind book/guide that takes it's readers step-by-step through a comprehensive personal and business credit improvement plan. The author James Holmes, Jr. shares knowledge gained from 35 years of professional work experience in the finance and credit field. He condenses it in a very easy to understand 100 page publication. Not only is it a user friendly guide, but the author takes time to explain why it's better to execute the process in the correct manner and order. He saves you from amateur mistakes that so many people make time and again. He shows you how and what to do, so you don't have to pay expensive predatory Credit Repair companies. Black Lion's Credit Repair Program is not designed to be a quick fix. This comprehensive approach is designed to build strong credit that stands the test of time.